Affordability Impacts to Card Payments

Amid ongoing economic uncertainty and high consumer demand for credit, card issuers today face growing pressure to maintain safe and steady growth — especially after three years of fluctuating origination volumes.

To address these challenges, TransUnion conducted a study aimed at understanding the impacts of today’s card industry trends on consumer affordability and performance. Read our market brief to learn:

• The primary credit characteristics contributing to consumer affordability
• How consumer card origination data has shifted between pre- and post-pandemic times
• How to tailor offerings to accommodate affordability concerns while managing risk